Credit unions

By selling its community banking products to Fiserv, ACI has signaled it is no longer interested is no longer interested in that space. Fiserv, meanwhile, is beefing up its small-institution offerings.

Banking's top trade groups sent a letter to Congress asking lawmakers to intervene and stop a plan by the National Credit Union Administration to expand field of membership for federal credit unions.

The American Bankers Association has gone public with its issues with a plan to require banks to record loan-loss provisions when they originate a loan. Bankers are worried that the rule will eventually force smaller institutions to use costly modeling programs to comply.

Some lost their jobs while others made major missteps or faced serious challenges to their business plans. Here are the folks who had a rough 2015 and are looking forward to better times in 2016.